Home Improvement Center for Energy and Environment

The copy of the bond must name the Department of Consumer and Worker Protection as the Certificate Holder. Your corporate name, Doing-Business-As name , and premises address must be exactly the same on all documents. You must also submit a copy of the bond receipt showing that the bond has been paid in full and does not expire before the end of the licensing period. DCWP Trust Fund Enrollment OR Copy of $20,000 Surety Bond , properly signed.If you want to enroll your business in the Trust Fund, complete the Trust Fund Enrollment Form. Many home improvements require a permit from the New York City Department of Buildings .

If you have trouble reaching those high up places, Walmart has a fine selection of ladders, step stools and scaffolding to get you there safely. Going digital with a model that automatically changes the indoor temperature setting is fairly easy, and it can trim about $180 off your annual heating and cooling costs. Simple models that only control heat are sold at home centers for around $25. But units like the one shown here can handle many more functions, including cooling and humidifying.

Creating a schedule to keep up with HVAC, plumbing, smoke alarm, landscaping, cleaning, roofing and appliance maintenance tasks or inspections will alert you of when they need repair before the problem gets bigger. The information and savings numbers depicted above are for demonstration purposes only, and your results may vary. Here is a plan for a size-it-to-your-space tool-storage bench that doubles as a work surface. Though it may look complicated, the construction couldn’t be simpler.

Tim “The Toolman” Taylor, host of the home-improvement show “Tool Time,” definitely is not as handy at home as he is on screen. He and his wife, Jill, raise three boys who are racing toward adulthood. The Taylor family often relies on next-door neighbor Wilson, who provides unconventional wisdom and perspective to the Taylors’ personal and familial crises. I didn’t get to watch much of this show back in its heyday but now they’re showing reruns on one of my local channels and I make time to watch it whenever I can. The main couple has chemistry, the three sons are very amusing, the neighbor is full of wisdom and advice, the cohost on the show’s show is very practical, and some of the episodes have good morals.

But the government programs help these lenders make loans that they might normally not fulfill. Grants are available depending on your income level and work to be done. Use a credit card for projects small enough that you won’t max it out. You should typically aim to pay your full balance every month.

You’ll need good or excellent credit to qualify for a zero-interest or rewards card. Some lenders let you add a co-signer or co-borrower to your loan application. Adding someone with better credit or higher income to the loan application may help reduce your APR or increase the amount you can borrow.

In one afternoon you can turn a floor into a comfortable mat where your toes can roam free without fear of the big chill—or expensive area rugs. It’s bad enough to have to get up in the morning, let alone get up and experience the icy shock of a cold floor. What you need is some warmth underfoot, a little cushion as you pad across the house. Resilient yet durable, stylish yet earthy, a natural cork floor can turn any cool room into a cozy haven.

The best home improvement loan rates currently range from about 3 percent to 36 percent. The actual rate you receive depends on multiple factors, including your credit score, annual income and debt-to-income ratio. The best rate you can qualify for is not necessarily the best loan you can qualify for. Consider additional factors including loan amount, fees, customer service and other features before choosing a lender.